HBCP News & Events

Reports Q1 NII $34.5M, consensus $33.4M. Q1 net interest margin was 4.16% from 4.06% in the previous quarter and 3.91% last year. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.65%, respectively, at March 31, 2026, compared to 11.84% and 15.29%, respectively, at December 31, 2025. Tangible book value per share was $46.04 from $44.84 at quarter end. "In March 2026, we opened our newest full-service location in Tomball, TX," said CEO John Bordelon. "We are pleased with our financial results for the first quarter. While loan production remained down during the quarter, deposit growth increased and reduced our loan to deposit ratio to 90%. Financial metrics remained strong with ROA increasing to 1.30% and a ten-basis point NIM expansion to 4.16% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate material losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible. We are confident that our teams have the ability to broaden meaningful relationships with our customers across all our markets throughout the remainder of the year."

Reports Q4 net loan charge-offs $165,000 vs. $376,000 in the previous quarter. Reports Q4 NIM decreased 4 basis points to $4.06% from 4.10% for the Q3 primarily due to lower yield on interest-earning assets, partially offset by lower funding cost. "We are pleased with our overall fourth quarter and full year results," said John W. Bordelon, President and CEO of the Company and the Bank. "During the Q4, loan production increased and core deposits grew. Nonperforming assets increased for the quarter, but we do not anticipate any material losses. The net interest margin decreased to 4.06% for the quarter primarily due to lower loan yield and our ability to manage lower funding cost. The majority of our Certificates of Deposit will reprice within 120 days, which should continue to reduce deposit costs and have a positive impact on NIM. We remain well positioned to assist our customers with opportunities in the new year."

Reports Q3 NII $34.11M, consensus $33.33M. Q3 NIM was 4.10% vs. 4.04% in Q2. Tier 1 leverage capital ratio was 11.90% from 11.47% last quarter. Tangible book value at period end was $43.29 from $41.54 last quarter. "Our Q3 results reflect continued strength and stability of the Company," said CEO John Bordelon. "While loan production was slower during the quarter, deposit growth improved reducing our loan to deposit ratio down to our target of 91%. Financial performance remained strong with ROA of 1.41% and a six-basis point NIM expansion to 4.10% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate any losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible."